In reply to supersteve:
I have a 2020 Terra H30 which I use for exactly the same uses as you are planning.
I don't have much bike history to compare it to (only other nice bike is an MTB), but I really enjoy it, and the spec was good value at the time.
I have fitted mudguards and rear pannier rack. I have a second set of wheels for road, but the 40mm mixed tyres aren't actually very draggy.
The only minor niggle I have is that the matt paint doesn't seem that durable.
Post edited at 15:16